I'm still arguing with ours over a medication I was prescribed while on our cruise. First time in about 25 years I've had to file a claim (they've been filed directly by my pharmacy or the medical provider since the 90s). I very clearly stated on the claim form that this was on a cruise ship (multiple times, in fact), that I had provided them with copies of every piece of documentation that I was given, and that pharmaceutical options were limited because hello - cruise ship???Faceless "experts" at insurance companies know more than doctors.
Got a call a a few weeks back from insurance company asking if I'd like to talk to one of their on staff pharmacists. Was suspecting because my drugs are so expensive (to say nothing of my killer co-pay for these) but thought "What the hell, never know, maybe they have advice or maybe might pick up on some possible bad drug interaction etc". Pharmacist calls and I can't believe it is an actual licensed pharmacist. JFC, I knew more about the drugs I was taking than she did. It was shocking. It was like talking to a pharmacist in some comedy where the pharmacist is a valley girl.
They paid 50% (instead of reimbursing up to my copay of $5-$15) because the medicine prescribed was not "the preferred medication" (ie, generic). Again - hello, cruise ship, limited options????? They also want me to include a signed form from the doctor with my appeal. Well, iirc, he was headed home to Spain after we docked. So yeah, I'll just pop on over there, find him, and get him to sign an excuse slip for me.
Granted, it's not THAT much money compared to some drugs (8 pills at $12 per pill). It's the principal of the thing. I filled out everything they wanted, gave detail, and I don't think they saw anything but the drug name, and it was a NOPE, despite mitigating circumstances.
